How To Insure Your Colorado Recreational Vehicle

rvHow To Insure Your Colorado Recreational Vehicle

“Clark… That There Is an RV”

A recreational vehicle (RV) is traditionally viewed as a motor home, but many travel trailers, fifth wheels, and tour buses are considered RVs as well. RVs combine many aspects of regular traveling vehicles with aspects of a home. There are several issues that need to be considered when purchasing Colorado RV insurance.

Examples of RV’s

  • Motor homes (classes A, B, and C)
  • Motor coaches
  • Camper vans
  • Travel trailers (campers, pop-ups, fifth wheels, and toy haulers)

It is a legal requirement to have liability insurance for your RV. RV liability insurance covers bodily injury and property that is caused by the insured RV. This protects third parties who the RV owner may collide with, and provides some level of protection, depending on the policy limits. Collision insurance covers damage done to the RV as a result of a collision. This includes situations in which the RV collides with an object or an object collides with the RV.

One of the main differences between RV insurance and standard auto insurance is that RV insurance policies can cover appliances and personal items in the RV, such as plumbing, electrical problems, motors, TV’s and other items.

Some Optional RV Insurance Coverages

  • Optional full replacement cost coverage
  • Emergency expense allowance
  • Campsite and vacation coverage
  • Towing and roadside assistance coverage
  • RV in storage option
  • Uninsured and underinsured motorist’s coverage

RV insurance will cover items and mishaps that are specific to motorhomes, rather than regular cars.  All RV’s, such as Class A, B, C, fifth wheels, and travel trailers, will be uniquely covered in insurance for RV policies.

Your motorhome is going to be insured much like your primary auto, but most of the time this needs to be on its own policy. Carriers will offer some unique coverages for motorhome owners such as vacation liability. This essentially covers you and your family from any liability that could happen while the motorhome is parked and you are vacationing. Your Colorado Insurance agent can explain these special coverage’s in more detail and find the carrier that suits your needs.